Car Insurance

Car Insurance in Missouri and Arkansas

For the cheapest Malden car insurance rates, come to BCDD Insurance. We have relationships with key insurance carriers in this industry that offer cheap prices and the best service, guaranteed. We provide auto insurance to Kansas and Missouri drivers.

Missouri and Arkansas car insurance is highly competitive, and we work aggressively to get our customers the cheapest rates. We’ll also set you up with every discount possible, including multi-vehicle discounts, clean driver discounts, teen driver discounts, senior citizen discounts and more.

Car Insurance in Malden and Throughout Missouri

Residents of the Show Me State pay a few hundred dollars less than the national average in premiums. For the most affordable rate, you can stick to the Missouri car insurance minimum requirements:

  • $25,000 for one person’s bodily injury or death that you cause in an accident
  • $50,000 for the total bodily injury or death that you cause in an accident
  • $10,000 for the property damage that you cause in an accident
  • $25,000 for the bodily injury or death that an uninsured motorist inflicts upon you
  • $50,000 for the bodily injury or death that an uninsured motorist inflicts upon you and your passengers

You can lower your premium by as much as 20% if you bundle your plan with your homeowners, life, motorcycle or other insurance policies. You can also lower the cost by taking a DMV-approved defensive driving class. You can knock out an online class in a few hours, and it will only cost about $30.


Missouri Driving Laws

Moving violations can make your premium go up, so brush up on state laws:

  • Children under four must be in a federally-approved car seat.
  • Children age 4-7 between 40-80 pounds must be in an approved car or booster seat.
  • Children ages 8-18 must be wearing a seat belt.
  • You can get a ticket for failing to turn on your lights and wipers when it rains.
  • Drivers 21 and under are prohibited from texting while driving.

Missouri takes driving without insurance seriously. You can have your license suspended for as long as a year if you’re caught driving uninsured.

Car Insurance in Arkansas

The law mandates that in order to register and drive your car in Arkansas, you must obtain liability insurance, which pays for claims when you cause an accident. Arkansas requires the following coverage:

  • $25,000 for one person’s bodily injury or death that you cause in an accident
  • $50,000 for the total bodily injury or death that you cause in an accident
  • $25,000 for the property damage that you cause in an accident

BCDD Insurance offers cheap and affordable car insurance in Arkansas and we can offer you additional savings. For example, are you a recent college graduate or older than 55? The college graduate discount and the defensive driver discounts for those 55 and older can mean big savings every month.

Other Arkansas Auto Insurance Options

From 1981-2010, Arkansas averaged 33 tornadoes per year. Is your automobile covered in the event of a natural disaster? The BCDD Insurance team recommends you purchase Comprehensive Coverage, which protects against damage to your automobile due to acts of nature and other events not associated with operating the automobile. These events include hurricanes, tornadoes, hail, earthquakes, floods, fires, vandalism and theft.

Also obtain Collision Coverage, which protects against damage to your automobile resulting from an accident. And finally, Uninsured Motorist Coverage will protect you from the 14% of Arkansas drivers who fail to pay for insurance in spite of the law.

As an independent insurance agency, BCDD Insurance will get you the cheapest auto insurance in Arkansas.

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BCDD Insurance & RE Agency has been servicing your insurance needs for years. We are built on the principles of providing superior customer service and quality insurance solutions for our customers. As an independent agent, we work with select insurance companies that have proven their performance over the years. We are dedicated to getting you the best insurance products and services available today to protect you, your family, and your business.

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